Wednesday, December 12, 2018
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USB offers many options to help you buy your next home or refinance your existing home. Maybe you have just enough money for a small down payment, want to save some money with a better rate, or you just want to explore the possibilities! USB is committed to helping your dream come true with quality service and competitive interest rates

APR: 4.761%

RATE: 4.625%



APR accurate as of

November 9, 2018


APR: 5.103%

RATE: 5.00%



APR accurate as of

November 9, 2018


*20 & 30 Year Conventional Rates - The Annual Percentage Rate (APR) is based on a loan amount of $150,000 with a 20% down payment, a 1% origination fee and common and customary closing costs. Monthly payments for a 20 year loan at 4.761% would be 240 payments of $959.13 (principal and interest).  Monthly payments for a 30 year loan at 5.103% would be 360 payments of $805.23 (principal and interest). Rates are not guaranteed until lock-in. Monthly payment does not include taxes and insurance: actual payment will be greater.

Per SAFE Act (Secure & Fair Enforcement for Mortgage Licensing Act), Union State Bank's MLO (Mortgage Loan Originator) Indentifier Numbers are as follows:



Jeffrey J. Gray, Senior VP & Loan Officer NMLS #413222

David A. Koch, VP & Loan Officer NMLS #471741

Charles Duane Gordon, VP & Loan Officer NMLS #471740


Chris A. Coy, VP & Commercial Loan Officer NMLS #1472318